Implementing Government-Funded Reinsurance in the Context of Universal Coverage

This paper discusses the implementation of the fourth building block of the Roadmap—the public reinsurance provided to insurers who cover small employer groups and individuals in Massachusetts. Government funded reinsurance would repay insurers for 75% of an insured's allowable costs above $35,000 per year for enrollees in the nongroup market and in firms with fewer than 100 workers. The reinsurance would apply to all coverage sold, whether through the pool or outside. The paper describes the proposed public reinsurance, compares and contrasts it with other forms of reinsurance, and details the key steps to be taken in practical implementation. (www.roadmaptocoverage.com, October 7, 2005)

Usage, posting and reprint of materials on the UI web site:

Most publications may be downloaded free of charge from the web site in PDF format. This information may be used and copies made for research, academic, policy or other non-commercial purposes. Proper attribution is required. Copyright of the written materials contained within the Urban Institute website is owned or controlled by the Urban Institute. Posting UI research papers on other websites is permitted subject to prior approval from the Urban Institute—contact paffairs@ui.urban.org.

If you are unable to access or print the PDF document please contact us or call the Publications Office at (202) 261-5687.

Disclaimer: The nonpartisan Urban Institute publishes studies, reports, and books on timely topics worthy of public consideration. The views expressed are those of the authors and should not be attributed to the Urban Institute, its trustees, or its funders.